OppFi: McKay has 3,735 shares withheld for taxes

OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay had 3,735 shares of Class A Common Stock withheld on October 1, 2026, to cover tax withholding obligations upon settlement of vested restricted stock units.

Rhea-AI Filing Summary

OppFi Inc. Chief Risk & Analytics Officer Christopher J. McKay had 3,735 shares of Class A Common Stock withheld on October 1, 2026, to cover tax withholding obligations upon settlement of vested restricted stock units. The three reported entries were 1,970, 1,369 and 396 shares, each at $6.03 per share.

Insider Trade Summary

Tax Withholding: 3,735 shares

Tax Withholding 3 txns

Insider McKay Christopher J.

Role Chief Risk & Analytics Officer

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock F1	1,970	$6.03	$12K
Tax Withholding	Class A Common Stock F1	1,369	$6.03	$8K
Tax Withholding	Class A Common Stock F1	396	$6.03	$2K

Holdings After Transaction: Class A Common Stock — 1,427,744 shares (Direct)

Footnotes (1)

1. F1. Represents shares withheld to cover tax withholding obligations upon the settlement of vested restricted stock units.

Key Figures

Shares withheld for tax obligations: 3,735 shares Withheld shares: 1,970 shares Withheld shares: 1,369 shares +2 more

5 metrics

Shares withheld for tax obligations 3,735 shares October 1, 2026; settlement of vested restricted stock units

Withheld shares 1,970 shares October 1, 2026

Withheld shares 1,369 shares October 1, 2026

Withheld shares 396 shares October 1, 2026

Price per share $6.03 per share Withholding entries on October 1, 2026

Key Terms

restricted stock units, tax withholding obligations, settlement of vested restricted stock units

3 terms

restricted stock units financial

"settlement of vested restricted stock units"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

tax withholding obligations financial

"to cover tax withholding obligations"

settlement of vested restricted stock units financial

"upon the settlement of vested restricted stock units"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many OPFI shares were withheld from Christopher J. McKay?

Christopher J. McKay, OppFi Inc.’s Chief Risk & Analytics Officer, had 3,735 shares of Class A Common Stock withheld on October 1, 2026, to cover tax obligations when vested restricted stock units settled.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/05/2026 - 05:24 PM Accepted by SEC EDGAR 10/05/2026 - 05:24 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McKay Christopher J.

(Last) (First) (Middle)

130 E. RANDOLPH STREET

SUITE 3400

(Street)

CHICAGO ILLINOIS 60601

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
OppFi Inc. [ OPFI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Risk & Analytics Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	10/01/2026		F		1,970(1)	D	$6.03	1,429,509	D
Class A Common Stock	10/01/2026		F		1,369(1)	D	$6.03	1,428,140	D
Class A Common Stock	10/01/2026		F		396(1)	D	$6.03	1,427,744	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares withheld to cover tax withholding obligations upon the settlement of vested restricted stock units.

	/s/ Marv Gurevich, Esq., as attorney-in-fact for Christopher J. McKay	10/05/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)